When it comes to maximizing your health and wellness coverage, UAW Trust OTC (Over-the-Counter) Benefits play a crucial role. At UAWtrust.org/otcbenefit, retirees of the United Auto Workers (UAW) can access a broad spectrum of eligible non-prescription medications and healthcare products—all at no additional cost. This guide is designed to help you navigate the OTC benefit program efficiently, understand its value, and ensure you get the most out of your UAW Trust membership.
What Is the UAW Trust OTC Benefit Program?
The UAW Retiree Medical Benefits Trust offers OTC benefits as part of their commitment to supporting the health of retired UAW members and their families. These benefits allow eligible members to order non-prescription health-related products without out-of-pocket expenses, using a quarterly allowance provided by the Trust.
These products include essential items such as:
- Pain relievers
- Cold and allergy medications
- Digestive health products
- First aid supplies
- Oral health products
- Personal care items
How to Access UAWtrust.org/otcbenefit
To take advantage of your benefits, visit UAWtrust.org/otcbenefit. This portal is your central resource for everything OTC-related. Here’s how to navigate the site effectively:
- Log in with your plan provider information: Depending on your healthcare plan (e.g., BCBSM, Aetna, UnitedHealthcare), you will be redirected to the correct portal.
- Review your allowance: Typically, the allowance is renewed quarterly, but the amount may vary depending on your specific plan.
- Browse the product catalog: Each provider offers a unique catalog tailored to the benefit structure.
- Place an order: Orders can often be made online, by phone, or through mail-in order forms.
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Who Is Eligible for the OTC Benefit?
Eligibility for the OTC program is granted to retirees and surviving spouses who are enrolled in a UAW Trust health plan that includes OTC benefits. Some plans may offer this feature through partnerships with third-party vendors like:
- OTC Health Solutions (CVS Health)
- FirstLine Benefits
- Walmart OTC
- Healthy Benefits Plus
Check your individual plan documentation or call the customer service number on your health card for confirmation.
Understanding Your Quarterly Allowance
Most members receive a quarterly OTC allowance—this is not cash but a fixed amount credited to your OTC account. Allowance amounts typically range from $30 to $100 per quarter, depending on the plan and provider.
Important Notes:
- Unused allowances may not roll over into the next quarter.
- Orders must stay within the allowance limit; excess costs are not covered by the benefit.
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Top Categories of Eligible OTC Products
Here is a closer look at the common OTC product categories you can purchase through UAW Trust benefit programs:
1. Cold and Flu Remedies
Items such as decongestants, cough drops, nasal sprays, and fever reducers help manage seasonal illnesses effectively.
2. Pain Management
Access to acetaminophen, ibuprofen, aspirin, and topical pain relief creams provides retirees with essential support for joint and muscle discomfort.
3. Digestive Health
Products like antacids, laxatives, anti-diarrheal medications, and probiotics promote gut health and manage chronic digestive conditions.
4. First Aid and Medical Supplies
Essential kits include bandages, gauze, antiseptics, thermometers, and blood pressure monitors for managing minor injuries and monitoring health at home.
5. Personal Care and Hygiene
Maintain daily hygiene with access to toothbrushes, toothpaste, incontinence supplies, feminine products, and skincare items.
6. Vitamins and Supplements
Choose from a wide range of multivitamins, calcium supplements, Vitamin D, B12, and omega-3s to support overall wellness.
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How to Place an OTC Order
Ordering your OTC products is a simple process:
Online Ordering
- Go to your plan’s designated portal through UAWtrust.org/otcbenefit.
- Register or log in.
- Browse or search the catalog.
- Add items to your cart and check out.
Phone Orders
- Call the customer service number provided on your benefit card.
- Speak to a representative to place your order.
Mail Orders
- Use the printed OTC catalog provided to you via mail.
- Fill out the order form.
- Send it to the address listed in the catalog.
Shipping and Delivery Information
OTC products ordered through the Trust’s program are shipped free of charge. Delivery typically takes 7–10 business days. Make sure to place your orders early in the quarter to avoid delays, especially during peak holiday seasons.
Tips for Maximizing Your OTC Benefits
Here are proven strategies to help you make the most of your UAW Trust OTC program:
- Plan ahead: Make a list of essentials and prioritize items that run out frequently.
- Use your full allowance: Don’t leave money on the table—ensure you utilize the total amount each quarter.
- Track your orders: Keep a record of what you’ve ordered to avoid duplications and ensure coverage continuity.
- Review the catalog regularly: Product availability can change, and new items are added periodically.
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Frequently Asked Questions (FAQ)
Can I order OTC items for someone else?
OTC benefits are intended strictly for the enrolled UAW Trust member and cannot be transferred to others.
Can I return OTC products?
In most cases, returns are not accepted unless the product arrives damaged or there was an error in the order.
What if I don’t use my entire OTC benefit allowance?
Generally, any unused balance at the end of the calendar year (December 31st) will be forfeited and will not roll over to the next benefit year. It’s best to utilize your full allowance each year.
Can I use my OTC benefit to buy items for my family members?
No, the UAW Trust OTC benefit is specifically for the eligible Trust member.
Will I receive a new OTC benefit card every year?
No, your existing Trust/CVS-issued flex card is typically reloaded with your annual allowance each year. Do not throw it away.
Can I get cash back from my OTC benefit?
No, the OTC benefit is designed for purchasing eligible over-the-counter items only. Cash reimbursements are not allowed.
What happens if I return an item purchased with my OTC benefit?
The value of the returned item will usually be credited back to your OTC benefit account to be used for future purchases of eligible items.
Are all items in the online catalog or in participating stores eligible for the OTC benefit?
No, only specific health and wellness items are eligible. Look for clear indicators online or in-store that an item can be purchased using your OTC benefit.
Can I use my OTC benefit at any pharmacy?
You can typically use your benefit at CVS Pharmacy® and other retailers that participate in the OTC Network. Check the UAW Trust OTC benefit website or app for a list of participating locations.
What if my flex card doesn’t work?
First, double-check that the card is active and that you have a balance available for the current benefit year. If you’re still having issues, contact the UAW Trust or the customer service number provided on your benefit materials or the OTC benefit website. It’s possible there might be an issue with your eligibility or the card itself.
Can I use my OTC benefit for prescriptions?
No, the OTC benefit is specifically for over-the-counter health and wellness products that do not require a prescription. Prescription medications are typically covered under a separate pharmacy benefit.
How can I find out my specific annual OTC allowance amount?
Your specific allowance amount will be detailed in the benefit materials you receive from the UAW Retiree Medical Benefits Trust each year. You may also be able to find this information by logging into your account on the UAW Trust OTC benefit website.
Stay Informed and Healthy with UAWtrust.org/otcbenefit
By staying informed and taking full advantage of the UAW Trust OTC Benefit Program, you can better manage your health, reduce medical costs, and enjoy convenient access to vital non-prescription items.
For retirees seeking accessible, affordable healthcare support, UAWtrust.org/otcbenefit stands as a reliable, user-friendly resource that enhances your post-retirement health journey.